All branches will be closed on Monday, January 18 for Martin Luther King Jr., Day. We will reopen on Tuesday, January 19.

Our branch lobbies are currently closed for the safety of our Members and employees. Click here to schedule a telephone appointment. Please use our drive-thru windows, LSCU Mobile and LSCU Cards Apps, and our website for financial services.

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Certificate of Deposits (CDs)

Certificates of Deposit (CDs), earn our highest rates and are a great way to save money for a specific amount of time. We offer a variety of short and long term CD options to fit your saving needs. 

Open your CD today! Just give us a call or stop into your nearest LSCU location

Compare our highest earning savings solutions


  Regular CDs IRA CDs Jumbo CDs Money Market CDs
Best if: You don't need access to your savings for an extended period of time You want a secure way to save for retirement You want to earn higher rates on a large savings You prefer to keep large balances in a more accessible account
Minimum Deposit $500 $500 $90,000 $2,500
Terms 12 - 60 months 12 - 60 months 12 - 60 months 91 days or 182 days
Bump Up Terms 24 - 60 months 24 - 60 months 24 - 60 months Not available
Rate View Rates View Rates View Rates View Rates
  • Checking account holders earn .25% more*
  • Checking account holders earn .25% more*
  • Regular and IRA CD options
  • Earns our highest rates
  • Checking account holders earn .25% more*
  • Checking account holders earn .25% more*
Dividends are paid quarterly


Bump Up CD Option

With a Bump Up CD, you can choose to bump up your CD rate once during the term of your CD if the current rate is higher than the original CD rate. The current rate must be for the same term and same type of CD.

Share Secured Loan Option

If you need the funds from the CD during the term, you can obtain a flexible term share secured loan for a small percentage above what you earn.


Looking for savings options for kids? Learn more about our Youth Accounts


*Applies to TX Heritage Checking or Money Marketing Checking account only.